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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $257,311 | $167,362+53.7% | $143,799+78.9% | $134,532+91.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.65% | 0.47%-18.1pp | -0.04%-17.6pp | 418.27%-435.9pp |
| Employer contribution / active EE | $5,498 | $5,620-2.2% | $4,952+11.0% | $4,741+16.0% |
| Participant deferral / active EE | $6,844 | $6,447+6.1% | $5,638+21.4% | $6,401+6.9% |
| Admin fee / account holder | $1,523 | $18,094-91.6% | $14,677-89.6% | $11,429-86.7% |